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Whether you’re an avid traveller or a super shopper, it’s great to be rewarded for your credit card spending. Credit cards with Malaysian Airline points offer Enrich Miles when you make purchases on your card.

What are credit card rewards?

Credit card rewards are incentives a credit card holder receives as they spend money with their card. These rewards might come in the form of cash, airline points, merchandise or other offers. You’ll typically receive more rewards when you spend more money on your credit card.

What are the pros and cons of credit card rewards?

Like most benefits, rewards can also have their drawbacks. The biggest pro of credit card rewards are the rewards themselves. Credit card rewards ensure you get something in return for spending your money. This is especially beneficial for people who tend to spend a lot of money with their credit card, as they’ll receive extra benefits.

On the other hand, credit card rewards also have a downside. Because you receive something of value, whether it’s airline points or cash, these credit cards tend to have higher annual fees. While it’s possible to find credit cards with no annual fee, rewards credit cards may charge you up to a few hundred dollars a year.

When searching for a credit card with rewards, you’ll want to pay attention to any conditions within the rewards program. You might also find that rewards are capped at a certain amount or that they are difficult to redeem.

What are Malaysian Airlines points?

Malaysian Airlines offers an incentive program called Enrich. Members of Enrich are able to collect Malaysian Airlines points (or ‘Enrich Miles’), which can be used to book discounted flights on Malaysian Airlines and their One World Alliance airline partners. Members can also use their Enrich points for free excess baggage or access into airport lounges.

How do you earn Malaysian Airlines points?

Malaysian Airlines points can be earned in a number of ways. One of these ways is to spend money using a credit card with Malaysian Airlines points. There are several cards that can earn you Malaysian Airlines miles, such as an American Express credit card. The American Express card will reward you with Membership Rewards Points, which can be converted into Malaysian Airlines points.

Other ways to earn airline miles include booking flights with Malaysian Airlines and its airline partners, renting a car through certain rental companies, staying with partner hotels and using in-flight shopping. Together, these methods will earn you more Malaysian Airlines points faster.

How do you spend Malaysian Airlines points?

After you earn Malaysian Airlines points, you can spend them to aid in your travel journey. One of the most common ways to spend airline points is to use them when booking flights. Enough Malaysian Airlines points will mean an airfare at a discounted price.

While you can use your Enrich miles to book flights with Malaysian Airlines, you can also choose to book through any of their airline partners. Airlines such as British Airways, American Airlines and Iberia create partnerships with Malaysian Airlines in order to give customers more choice.

Do Enrich Miles expire?

As with most travel miles, Enrich Miles don’t last indefinitely. Points must be used within a certain amount of time or they’ll be withdrawn from your account. Because of these time limits, people who don’t travel often might want to consider signing up for a credit card that offers different forms of rewards.

Can Enrich Miles be transferred?

Malaysian Airlines allows points to be transferred to your loved ones, but there are conditions. Some of these conditions relate to your Enrich status. Enrich members with a higher status, such as Enrich Gold and Enrich Platinum, will have more flexibility than members with lower rank. Enrich members can move up in status as they earn and fly more.

What are some routes Malaysian Airlines flies?

Malaysian Airlines is headquartered at Kuala Lumpur International Airport in Malaysia, but their flight routes can take you across Asia, the South Pacific and into the United Kingdom. South Pacific destinations include Adelaide, Perth, Melbourne and Sydney in Australia and Auckland in New Zealand.

You might consider a credit card with Malaysian Airlines points if you frequently travel to countries like Thailand, China, Japan and India. Malaysian Airlines offers several flights across dozens of cities in Asia. Travellers to Asia will be able to catch flights to large hubs like Hong Kong and smaller airports like Sibu.

What other airlines have credit card rewards?

Many airlines choose to offer credit cards so that their customers can earn discounts on flights. You’ll find that most large international airlines like Qantas and Qatar Airways have credit cards with points rewards.

If you’re not sure where to start, consider checking with an Australian carrier, as they’ll offer flights from an airport near you.

What other products/services can you get with credit card rewards?

Credit card rewards aren’t limited to airline points. While frequent travellers might prefer airline benefits, those who don’t travel often may seek other rewards. One of the most popular choices when it comes to credit card benefits is receiving cash back. Cashback benefits will return a percentage of your spending to you. Many credit card holders find this to be a great choice because it doesn’t limit how you can spend the money you’ve been paid back. It may even help you pay off your credit card bill.

Another common form of reward is earning points with your credit card provider. You’ll typically earn a certain number of points per dollar spent. These points can then be redeemed to purchase goods or services. Shopping rewards may turn these points into discounts or vouchers that can be used to make purchases.

How should you choose which credit card rewards are right for you?

Credit card rewards come in a variety of forms, so it can be a challenge to choose the right reward program for you. You might consider looking at your current spending and travel habits. If you are a frequent traveller for business or leisure, it might be worth having a credit card with airline benefits so that your travelling can be cheaper and more comfortable. However, if you don’t travel often but enjoy shopping, a card with shopping benefits might be a better fit for you.

If you’re likely to forget to use points or you’d rather pay less in the first place, you may want to consider a credit card with fewer rewards, but also lower fees. By choosing a card with little to no annual fee, you’ll retain more of your money from the start.

Frequently asked questions

What's the best credit card for rewards?

There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice. 

Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward. 

How easy is it to get a credit card?

For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.

Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.

Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.

Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.

What should you do if your credit card is compromised?

Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.

Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.

Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.

Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.

What should you do when you lose your credit card?

Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.

Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.

Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.

Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.

Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.

Should I get a credit card?

Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. 

How do you apply for a credit card?

You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.

How to get a credit card for the first time

A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.

If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.

Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.

When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.

How to pay a credit card

There are a few ways to pay a credit card bill. These include:

  • BPAY - allows you to safely make credit card payments online.
  • Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
  • In a branch.
  • Via your credit card provider's app.

How do you cancel a credit card?

It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.

How do you use a credit card?

Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.

How many numbers are on a credit card?

The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. 

The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. 

Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.

What is a balance transfer credit card?

A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card. 

How do I apply for a credit card online?

How to make a credit card online

If you’re wondering about how to make a credit card online application, here are some steps to follow:

  • Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
  • Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
  • Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
  • Review details. Ensure the information you’ve entered is correct.

Do you need a credit card to get a loan?

You do not need a credit card to get a loan, but you usually need to have a credit history. Without a credit history, a financial institution cannot assess your ‘credit worthiness’, or your capacity to pay off the loan.

If you don’t have a credit card, your credit history can reflect any record of paying off an asset. Without any credit credit history, you’re limited in the type of loans you can apply for. But you may be able to obtain a secured loan against an asset. For more information on improving your credit score, go here

Where can I get a credit card?

Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.

The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.

Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.

Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.

Which credit card has the highest annual percentage rate?

The credit card market changes all the time, so the credit card with the highest annual percentage rate is also liable to change.

Keep in mind that credit card interest rates are expressed as a yearly rate, or annual percentage rate (APR). A low APR is generally good but also consider:

  • There can be different APR's for each feature of the card (e.g. purchases may have an APR of 14 per cent, while cash advances on same card could have an APR of 17 per cent.
  • Credit cards with a variable rate can change throughout the year, affecting your APR, so check the full details.
  • If you pay your balance in full every month, having the lowest APR is not as important as the other fees associated with the card. However, if you carry a balance from month to month, then you want the lowest APR possible.

What is a credit card?

A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.